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Recommended reading

Bankrate’s 2026 Annual Emergency Savings Report

Banking
A majority (81%) of Americans did not increase their emergency savings this year
By Karen Bennett
10 min read
Woman watering plants.

Current CD rates for March 2026

Banking
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
By Karen Bennett
3 min read
A graphic with a pale yellow background and a darker yellow circle in the center. There is a red line trending up and to the right, with a piggy bank that has coins falling into it in front of that.

Savings and money market account rates forecast for 2026: Rates will continue to slide but remain ahead of inflation

Banking
Expect yields to continue trending downward in 2026.
By Karen Bennett
4 min read

Exclusive insights from our expert analysts

“It will be another year where the highest-yielding savings accounts, money markets and CDs outpace inflation while the averages — and the offerings at most banks — fall well short.”

– Greg McBride, CFA

CD rates forecast for 2025: Top yields will decline, yet they’ll outpace inflation

The year 2024 came to a close with yields having declined on many certificates of deposit (CDs), spurred by three Federal Reserve rate cuts, although savers were still able to benefit from locking in strong yields. Even if yields on competitive deposit accounts decrease further in 2025, they’re still expected to outpace inflation.
Read more

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Bankrate Financial Analyst

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Principal U.S. Economy Reporter

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Senior Economic Analyst

Latest articles

Airline industry workers hold signs during a protest in Chicago

A new wave of coronavirus-driven layoffs are looming — here’s who is most at risk

Another round of job losses similar to what Americans witnessed back in March may soon wreak havoc.
Nov 06, 2020
Federal Reserve Chairman Jerome Powell speaks at a press conference

Fed holds rates near zero as presidential election results remain uncertain

The Fed will continue to stay on the sidelines when it comes to rates.
Nov 05, 2020
Federal Reserve Chairman Jerome Powell and the Fed Eccles Building illustration

Preview of the Fed meeting: What’s next for post-election monetary stimulus?

Federal Reserve Chairman Jerome Powell will have a communications tightrope to walk.
Oct 30, 2020
Illustration of American casting a ballot.

Survey: Biggest threat to the economy? More Americans say it’s coronavirus and not election outcome

More than half of Americans say they are spending less because of those risks.
Oct 14, 2020
People sit and watch a broadcast of the first debate between President Donald Trump and Democratic presidential nominee Joe Biden.

Biden vs. Trump on creating jobs: Here’s how they plan to battle coronavirus-driven recession

Either candidate will have to wrestle with a potentially slow rebound while in the Oval Office.
Oct 06, 2020
A woman walks by a store going out of business in New York City.

$300 unemployment boost: Which states are paying it and how long it will last

States’ unemployment benefits are one of the few coronavirus relief lines left.
Sep 25, 2020
Democratic presidential candidates

Universal basic income, explained — and why these free cash handouts remain unlikely

Here’s what might happen if everyone received a guaranteed minimum income from the government.
Sep 24, 2020
The rotunda on Capitol Hill

The budget deficit, explained — and how to prepare for a rising tax burden down the road

The financial practice of spending less than you make doesn’t apply to the federal government.
Sep 18, 2020
Santa Barbara beach with palm trees and city skyline at sunset, California, USA

Best banks in California in 2026

California is a large state, and so is your list of banking options in the Golden State. Truth is, there’s no one “best” bank — the best option is the one that fits your specific needs. But we’ve [...]
Mar 05, 2026
A young man uses an ATM.

How much are ATM fees?

Over time, ATM fees have climbed. Here’s what you need to know.
Mar 04, 2026
A little girl gets a vaccination.

Health savings account pros and cons

Setting aside pretax dollars in an HSA can help you defray future medical costs.
Mar 04, 2026
Young Woman Checking Her Finances At Home

Where is the account number and routing number on a check?

Finding the account number on a check is easy — if you know where to look.
Mar 04, 2026
close up of hands signing a check

How to write a check: A step-by-step guide

Checks aren’t as ubiquitous as they once were, but you may still have to write one.
Mar 04, 2026
Woman online banking with a tablet

Regulation D and savings account withdrawal limits – here’s what changed

How Reg. D impacts your savings account and why it pays to check with your bank.
Mar 04, 2026
woman holding a child and working online at home

How non-US citizens can open a bank account

Being able to open a checking and savings account can help build financial security.
Mar 04, 2026
man using an atm

Automated teller machine (ATM): What it is and how to use one

ATMs are useful for depositing money, checking your balance, and more, but be aware of possible issues that may arise.
Mar 03, 2026
Woman online banking with a tablet

Regulation D and savings account withdrawal limits – here’s what changed

How Reg. D impacts your savings account and why it pays to check with your bank.
Mar 04, 2026

How does the Federal Reserve affect mortgages?

The Federal Reserve’s decisions have ripple effects, including for mortgages.
Jan 29, 2026

How the Federal Reserve affects HELOCs and home equity loans

If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.
Jan 29, 2026
A Black couple talk to a salesperson at a car dealership.

When will car interest rates start dropping?

Auto rates will likely not decrease this year. Consider how to still save.
Jan 29, 2026
Exterior of Federal Reserve building

How does the Fed interest rate affect car loans?

Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.
Jan 29, 2026
Outside of the Federal Reserve building

How the Federal Reserve impacts personal loans

The Federal Reserve held rates steady at its January 2026 meeting.
Jan 28, 2026
Federal Reserve Eccles Building illustration

Fed’s interest rate history: The federal funds rate from 1981 to the present

Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.
Jan 28, 2026
U.S. Federal Reserve Chairman Jerome Powell delivers remarks at a news conference.

How the Fed impacts stocks, bonds, crypto and other investments

The best way for investors to deal with the Fed’s interest rate changes? Focus on your long-term investment plan.
Jan 28, 2026
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